CSMD vs VTI
Congress SMid Growth ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | CSMD | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.68% | 0.03% | |
| AUM | $496M | $666.9B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 48 | 3,543 | |
| YTD Return | +8.80% | +12.65% | |
| 1Y Return | +8.26% | +21.39% | |
| 3Y Return (annualized) | +11.82% | +21.54% | |
| 5Y Return (annualized) | - | +12.11% | |
| Volatility (annualized) | 18.7% | 15.3% | |
| Max Drawdown | -22.5% | -56.6% | |
| Fund Family | Congress Asset Management Company | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Aug 22, 2023 | May 24, 2001 |
CSMD vs VTI Performance
Congress SMid Growth ETF (CSMD) is a ETF from Congress Asset Management Company and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year CSMD returned +8.26% while VTI returned +21.39%. Year to date, CSMD is up 8.80% versus a gain of 12.65% for VTI.
Over three years, CSMD compounded at +11.82% per year against +21.54% for VTI. Across the full 3-year window we track, CSMD has the edge at +11.82% annualized vs +8.07%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
CSMD has been the more volatile fund, with annualized monthly volatility of 18.7% compared with 15.3% for VTI. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -22.5% for CSMD and -56.6% for VTI. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.85. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
CSMD charges 0.68% per year while VTI charges 0.03%. On a $10,000 position that is $68 vs $3 annually, a gap of $65 per year that compounds over a long holding period. On income, CSMD currently yields 0.00% against 1.07% for VTI.
Holdings Overlap
CSMD and VTI share 36 holdings out of 2798 unique holdings combined, representing a 0.5% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, CSMD or VTI?
CSMD has an expense ratio of 0.68% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $65 per year of difference.
Which performed better, CSMD or VTI?
Over the past year CSMD returned +8.26% vs +21.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), CSMD annualized +11.82% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, CSMD or VTI?
CSMD has been the more volatile fund at 18.7% annualized versus 15.3% for VTI. Worst drawdown: CSMD -22.5% vs VTI -56.6%.
Should I hold both CSMD and VTI?
CSMD and VTI have a monthly-return correlation of 0.85, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CSMD and VTI?
CSMD and VTI share 36 common holdings with a 0.5% weight overlap. Combined, they hold 2798 unique securities.
Which pays a higher dividend, CSMD or VTI?
CSMD yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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